You may only use the Site if you are domiciled in the United States and you are at least 18 years of age (or the applicable age of majority in your jurisdiction if greater than 18 years of age). If you are under 18 years of age (or the applicable age of majority in your jurisdiction if greater than 18 years of age) and/or you are unable to enter into a legally binding contract, you cannot use the Site.
SERVICES AVAILABLE ON THE SITE
The Site provides a service by which consumers can request to receive information relating to life insurance and/or discount programs from our network of insurance companies, agents, brokers, discount program representatives, lead aggregators and other third party companies (“Third Party Companies”). We also seek to provide valuable information that individuals can use to make their own decisions about life insurance or discount programs. Such information is offered for informational purposes only and is subject to the disclaimers contained herein. Once you voluntarily provide us with the information requested, we will attempt to match you with appropriate Third Party Companies.
We reserve the right in our sole and absolute discretion and for any reason, to terminate, change, suspend or discontinue any aspect of the Site, including, but not limited to, content, features or hours of availability. We may also impose limits on certain features of the Site or restrict your access to any part of the Site without notice or penalty. There is no charge to you for use of the Site.
The Owner is the sole and exclusive owner of all right, title and interest in and to the Site, all the content, code, data and materials thereon, the look and feel, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, including but not limited to all intellectual property and proprietary rights therein. Your use of the Site does not grant to you ownership of any content, code, data or materials you may access on the Site. Any commercial use or exploitation of the Site is strictly prohibited. You may view the content on the Site on your personal computer or other internet-compatible device, and make single copies or prints of the content on the Site for your personal, non-commercial use only. You may not otherwise copy, reproduce, distribute or otherwise exploit any content, code, data or materials on the Site. If you make other use of the Site, except as otherwise provided above, you may violate copyright and other laws of the United States, as well as applicable state laws and may be subject to liability for such unauthorized use.
You represent and warrant that, while using the Site, you shall not upload, post or transmit to or distribute or otherwise publish through the Site any materials that: (i) are unlawful, threatening, harassing, profane, tortious, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, contain explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or are invasive of another’s privacy or are hateful; (ii) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability; or (iii) contain a virus or other harmful component, advertising of any kind, or false or misleading indications of origin or statements of fact.
You also represent and warrant that you shall not: (i) impersonate any person or entity or misrepresent your affiliation with any other person or entity; (ii) upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Site for commercial purposes; or (iii) attempt to gain unauthorized access to other computer systems through the Site.
You further represent and warrant that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
EDITING, DELETING AND MODIFICATION
We reserve the right in our sole discretion to edit or delete any documents, information or other content appearing on the Site at anytime.
As a condition of using the Site, you agree to indemnify, defend and hold the Owner, and its directors, officers, employees, agents and affiliates, harmless from any claims, labilities, costs and expenses, including reasonable attorneys’ fees, related to your violation of these Site Terms or misuse of the Site, or any dispute between you and any Third Party Company.
ARBITRATION OF DISPUTES
In the event of a dispute involving the Information you entered on the Site, we, agree and give consent to you to arbitrate said dispute with anyone who purchases the Information before a single arbitrator under the current rules of the American Arbitration Association. You therefore agree not to participate in a small claims filing, class action, class-wide arbitration, claim brought in a representative capacity, or consolidated claims involving another person’s Information if we or a purchaser of the Information is a party to the proceeding.
DISCLAIMER OF WARRANTIES
THE SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS, IS PROVIDED “AS IS”, AND “AS AVAILABLE”, WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE SITE OR THE SERVICES, CONTENT, FUNCTIONS OR MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE SITE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SITE.
YOU SHOULD NOT RELY ON THE SITE TO MAINTAIN ANY OF YOUR INFORMATION; YOU SHOULD RETAIN ALL SUCH INFORMATION IN YOUR OWN RECORDS FOR USE IN THE EVENT THAT THE SITE FAILS OR IS UNAVAILABLE, OR THE INFORMATION IS LOST.
LIMITATION OF LIABILITY
IN NO EVENT SHALL THE OWNER OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR ANY THIRD PARTY COMPANIES (COLLECTIVELY, THE “PROTECTED PARTIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, OR ANY APPLICATIONS, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED PROFITS OR LOST BUSINESS OR LOST SALES. IN NO EVENT SHALL THE PROTECTED PARTIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED BY OR ON BEHALF OF YOU OR ANY OTHER PERSON ON OR THROUGH THE SITE. IN NO EVENT SHALL ANY LIABILITY HEREUNDER TO YOU FROM OWNER, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR AFFILIATES EXCEED FIVE HUNDRED ($500) DOLLARS.
LINKS FROM AND TO THE SITE
You acknowledge and agree that we have no responsibility for the accuracy or availability of information provided by Web sites to which you may link from the Site (“Linked Sites”). Links to Linked Sites do not constitute an endorsement by or association with us of such sites or the content, products, advertising or other materials presented on such sites. We do not author, edit, or monitor these Linked Sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such Linked Sites.
We control and operate this Site from our offices in the United States of America and is not intended to subject us to non-United States jurisdiction or laws. We do not represent that materials on the Site are appropriate or available for use in other countries. Persons who choose to access the Site from other locations do so on their own initiative, and are responsible for compliance with local laws, rules and regulations if and to the extent local laws are applicable.